Introduction

This privacy notice for Uganda Microcredit Foundation ("Company," "we," "us," or "our"), describes how and why we might collect, store, use, and/or share ("process") your information when you use our services ("Services"), such as when you:

• Download and use our mobile application (UMF Mobile), or any other application of ours that links to this privacy notice
• Engage with us in other related ways, including any sales, marketing, or events

Personal information

We collect personal information that you provide to us.

We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.

Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:

• Names
• Phone numbers
• Contact preferences
• Contact or authentication data
• Billing addresses
• Personal information shared through photos and pictures such as the user's image

Sensitive Information. When necessary, with your consent or as otherwise permitted by applicable law, we process the following categories of sensitive information:

• Financial data
• Credit worthiness data
• Photos and Pictures including the user's image
• Transaction information

How we collect info

Payment Data. We may collect data necessary to process your payment if you make purchases, such as your payment instrument number (such as a credit card number), and the security code associated with your payment instrument.

Application Data. If you use our application(s), we also may collect the following information if you choose to provide us with access or permission:

Geolocation Information. We may request access or permission to track location-based information from your mobile device, either continuously or while you are using our mobile application(s), to provide certain location-based services. If you wish to change our access or permissions, you may do so in your device's settings. Mobile Device Access.

We may request access or permission to certain features from your mobile device, including your mobile device's camera, contacts, sms messages, and other features. If you wish to change our access or permissions, you may do so in your device's settings.

Push Notifications. We may request to send you push notifications regarding your account or certain features of the application(s). If you wish to opt out from receiving these types of communications, you may turn them off in your device's settings.

information is primarily needed to maintain the security and operation of our application(s), for troubleshooting, and for our internal analytics and reporting purposes.

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

Information automatically collected Some information such as your Internet Protocol (IP) address and/or browser and device characteristics is collected automatically when you visit our Services.

We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information.

This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.

How we use tracking technology

We may use cookies and other tracking technologies to collect and store your information.

We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information.

Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.

Processing information

We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

How we use your info

In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

• To facilitate account creation and authentication and otherwise manage user accounts. We may process your information so you can create and log in to your account, as well as keep your account in working order.
• To deliver and facilitate delivery of services to the user. We may process your information to provide you with the requested service.
• To respond to user inquiries/offer support to users. We may process your information to respond to your inquiries and solve any potential issues you might have with the requested service.
• To send administrative information to you. We may process your information to send you details about our products and services, changes to our terms and policies, and other similar information.
• To fulfill and manage your orders. We may process your information to fulfill and manage your orders, payments, returns, and exchanges made through the Services.
• To enable user-to-user communications. We may process your information if you choose to use any of our offerings that allow for communication with another user.
• To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time. For more information, see "WHAT ARE YOUR PRIVACY RIGHTS?" below).
• To protect our Services. We may process your information as part of our efforts to keep our Services safe and secure, including fraud monitoring and prevention.
• To comply with our legal obligations. We may process your information to comply with our legal obligations, respond to legal requests, and exercise, establish, or defend our legal rights.

Our Personal Loan Policy

The following are the key policies that borrowers must adhere to when applying for a personal loan through the UMF loan app:

• Eligibility: To be eligible for a personal loan, borrowers must be at least 18 years of age, have a stable income, and a good credit history.
• Application Process: Borrowers must complete the online application form on the UMF loan app, providing all the required personal and financial information. Once the application is received, it will be reviewed by the lender and a decision will be made on whether to approve or decline the loan.
• Loan Amount: The maximum loan amount that can be borrowed through the UMF loan app is determined by the lender and is based on the borrower's income and creditworthiness.
• Interest and Fees: The interest rate and fees associated with the loan will be clearly disclosed to the borrower before they agree to the loan terms.
• Repayment: Borrowers are required to make regular payments on their loan, as per the repayment schedule agreed upon at the time of loan disbursal. This schedule will include the amount of each payment, the due date, and the total number of payments required to pay off the loan in full.
• Late Payment: If a borrower misses a payment, they will be charged a late fee and their credit score may be affected.
• Credit Score: The UMF loan app will conduct a credit check on all borrowers, and a good credit score is necessary for loan approval. The borrower's credit score will be affected by their repayment history.
• Collateral: Personal loans provided through the UMF loan app are unsecured, which means they do not require collateral.
• Security: The UMF loan app uses industry-standard encryption to protect all personal and financial information provided by borrowers.

By following these policies, borrowers can ensure that they have a positive experience with the UMF loan app and can access the credit they need to meet their financial needs.

How we Share your Personal Information

We may share information in specific situations described in this section and/or with the following third parties.

We may need to share your personal information in the following situations:

Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

AffiliatesWe may share your information with our affiliates, in which case we will require those affiliates to honor this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us.

Business Partners. We may share your information with our business partners to offer you certain products, services, or promotions.

Offer Wall.Our application(s) may display a third-party hosted "offer wall." Such an offer wall allows third-party advertisers to offer virtual currency, gifts, or other items to users in return for the acceptance and completion of an advertisement offer. Such an offer wall may appear in our application(s) and be displayed to you based on certain data, such as your geographic area or demographic information. When you click on an offer wall, you will be brought to an external website belonging to other persons and will leave our application(s). A unique identifier, such as your user ID, will be shared with the offer wall provider in order to prevent fraud and properly credit your account with the relevant reward.

Legal process

How we store your info

Where your info lives

We aim to protect your personal information through a system of organizational and technical security measures.

We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information.

Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk.

You should only access the Services within a secure environment.

How long we keep your info

We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than the period of time in which users have an account with us.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible

About

Changes

In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.

We may update this privacy notice from time to time. The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible.

If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification.

We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

Contact us

If you have questions or comments about this notice, you may contact our Data Protection Officer (DPO), Uganda Micro Finance Uganda, by email at info@umfloans.app, by phone at +256414663686, or by post to:

Uganda Microcredit Foundation

Uganda Micro Finance Uganda

Plot 160, Sir Apollo Kagwa Road, Makerere Kikoni, P.O.BOX 23488, Kampala (U)

Kampala, Central 256